WHAT IS CULTURAL COMPETENCE IN HEALTH CARE? In the 1960s, health care theorists from various disciplines began to develop theoretical and conceptual frameworks for assessing, planning and implementing culturally relevant services for diverse populations. However, forty years later, we are still discussing the same question.
Figure. No caption available.
Changing demographics and economics of today's increasingly multicultural world, as well as longstanding disparities in the health status of diverse populations, challenge health care providers to be culturally competent. While experts in transcultural nursing have offered several models of cultural competence, I assert that these models do not focus on an essential construct of cultural competence: spirituality.
In 1991, I developed a model that identified four constructs of cultural competence: cultural awareness, cultural knowledge, cultural skill and cultural encounters.
Cultural awareness requires self-examination of one's biases toward other cultures and the in-depth exploration of one's cultural and professional background.
Cultural knowledge is accurate information about the worldviews of different cultural and ethnic groups, which the nurse skillfully discerns.
Cultural skill is the ability to collect relevant cultural data regarding the client's presenting problem.
Cultural encounter involves directly engaging in face-to-face cultural interactions with clients from a culturally diverse background. In this process, the nurse may modify personal beliefs about a cultural group and discover possible stereotyping.
My model suggested that a culturally competent nurse could continuously engage in the process of becoming culturally aware, culturally knowledgeable and culturally skillful, while seeking many face-to-face encounters with diverse clients.1 However, in my years of practice as a certified transcultural nurse specialist, I interacted with nurses who met all these criteria. But not all these nurses manifested the true spirit of cultural competence. As I explored what was missing, I saw that these nurses lacked the
desire to become culturally competent. This demonstrated a caring component of cultural competence that my model's four constructs did not address.
In 1998, I added to the model the construct of
cultural desire, expanded the constructs of cultural knowledge and cultural skill, and modified the pictorial representation of the model to reflect the interdependent relationship of the five constructs. I expanded the construct of cultural knowledge to include the process of learning about biocultural ecology (biological variations, disease and health conditions and variations in drug metabolism found among ethnic groups).
The construct of cultural skill was expanded to include learning how to perform a culturally-based physical assessment.2 In the revised model, cultural competence was depicted as a dynamic process, occurring at the intersection of these constructs. As the area of intersection of the constructs grows, the nurse more deeply internalizes the constructs on which cultural competence is based.
In this revised model,
cultural desire becomes the motivation of the nurse to want-to engage in the process of becoming culturally competent, rather than feeling I have-to. Cultural desire includes a genuine passion and commitment to be open and flexible with others, and to respect differences but build on similarities, and to be willing to learn from others as cultural informants. This is a life-long learning process that has been referred to as cultural humility.3
It is not enough for the nurse to merely respect a client's values, beliefs and practices, or to provide a culturally-specific intervention that the literature reports is effective with a particular ethnic group. Instead, the nurse's motivation of desire to provide culturally responsive care becomes central. This desire must come from one's aspiration, not out of desperation.
Christ's love for the church motivates a person to want to engage in the process of cultural competence. Spiritual caring and spiritual love are intrinsic qualities in the nurse-client relationship that cannot be directly measured. However, clients perceive these qualities positively, sensing that they are being cared about and valued. It has been said that people don't care how much you know until they first know how much you care.4 This type of caring and spiritual love comes from the heart, not from the mouth. It results from one's relationship with God. Therefore, the goal of cultural competence is not to offer politically correct comments (from the mouth), but rather comments that reflect true spiritual caring (from the heart).
Cultural desire also involves the nurse's commitment to care for all clients, regardless of their cultural values, beliefs or practices. This may be difficult with clients who engage in behaviors that may be in direct moral conflict with your values (such as abortion, homosexuality or sexual addiction).
Culltural desire becomes the motivation of the nurse to want-to engage in the process of becoming culturally competent.
A colleague shared with me that she was counseling an African American client who was pregnant and didn't want to have the child. The client was considering whether or not to have an abortion. As a Christian, my colleague explained her personal rationale for not having an abortion and shared that it was the client's choice, and whether or not she decided to have an abortion, that she still valued her. She also encouraged the client to return to counseling, regardless of her decision. The young woman decided to have the abortion. However, since she valued the therapeutic relationship, she returned to my colleague for counseling. In this situation, it was cultural desire that allowed my colleague to continue to care for this client by adopting the attitude, "Love the sinner, not the sin."
Commitment to the process of cultural desire also requires the nurse to be available to clients, even when faced with serious cultural incompetence, such as overt racism. My husband and I were practicing in a rural, underserved community in North Carolina. My husband, an African American family physician, was working in the emergency room when a Caucasian man brought his pregnant wife in for an acute situation requiring immediate medical attention. When this man saw my husband, he quickly stated, "I don't want no colored doctor taking care of my wife!!"
Although I knew this comment deeply offended my husband, he thoughtfully responded: "I would like to care for your wife if you would allow me, but I will respect your decision for me to transfer her to another hospital. However, since she is very sick, I am concerned that she will not be able to survive the transfer over 100 miles away to the next hospital. Again, please know that I
want to care for your wife."
The man reluctantly responded, "Well, okay, take care of her."
This emotional situation demonstrated the health care provider's commitment, willingness, availability and the
want to care for this client, despite the initial feelings evoked by the racist remarks. The health care provider must not personalize clients' negative comments. Some clients may respond to you based on what you represent to them, their stereotypic view of your cultural or ethnic group, or their past negative experiences with an individual whom they believe you represent, not necessarily who you truly are as a person. It is important to give the client an opportunity to engage in a new, positive experience concerning some of their past negative or stereotypical feelings. However, the nurse must also realize that some clients may reject this opportunity.
How can a nurse develop this cultural desire? Unlike the constructs of cultural awareness, knowledge, skill and encounters, some nurse educators may feel that the construct of cultural desire must be
caught rather than taught. However, I believe reading and discussing appropriate literature, including Scripture, will facilitate the development of cultural desire.
After ten years of working on the concept of cultural competence, I now believe that the key to cultural competence is found in the construct of cultural desire, which promotes the needed spiritual caring and love to give culturally relevant care to all clients.
Cultural desire is not an additional construct of cultural competence but a pivotal spiritual construct that provides the energy source and foundation for one's journey toward cultural competence. This new model of cultural competence is depicted as a volcano (figure one), which symbolizes that cultural desire stimulates the process of cultural competence. When cultural desire erupts, it creates the desire to become culturally competent by genuinely seeking cultural encounters, obtaining cultural knowledge, conducting culturally-sensitive assessments and humbly seeking cultural awareness. When asked the ten-year-old question, What is cultural competence in health care? I now answer, "It's a spiritual thing."
Figure 1. No caption available Bible Passages Related to Cultural Desire
* Those who say, "I love God," and hate their brothers or sisters, are liars; for those who do not love a brother or sister whom they have seen, cannot love God whom they have not seen (1 Jn 4:20).
* I give you a new commandment, that you love one another. Just as I have loved you, you also should love one another (Jn 13:34).
* Let love be genuine; hate what is evil, hold fast to what is good; love one another with mutual affection; outdo one another in showing honor (Rom 12:9-10).
* Owe no one anything, except to love one another; for the one who loves another has fulfilled the law (Rom 13:8).
* Love is patient; love is kind; love is not envious or boastful or arrogant or rude. It does not insist on its own way; it is not irritable or resentful; it does not rejoice in wrongdoing, but rejoices in the truth. It bears all things, believes all things, hopes all things, endures all things (1 Cor 13:4-7).


A Synopsis of the Clients We Serve
What our clients seek is sound financial counsel and well-reasoned responses to complex issues specific to corporate executives and business owners who have significant assets, goals and risk exposure. By deliberately focusing on serving these clients, SSG Executive Advisory Group is well positioned to serve them with a more focused perspective.
We specialize in applying a higher degree of knowledge to the dynamic complexities of wealth.
We believe our clients tend to have more specialized needs than the average investor and need help with matters such as non-qualified deferred compensation, stock options and estate planning, all while taking their family dynamics into account when assembling a portfolio. While they have substantial assets, they are still uneasy about retiring and relying on their portfolio to provide the income they need to maintain their lifestyles.
We find our clients are so busy in their careers that they have neither the time nor inclination to focus on their financial planning. They recognize the value of working with the SSG Executive Advisory Group’s experienced team of advisors to help them develop a detailed wealth plan and revisit it at regular intervals to measure the progress toward their goals.


Both men and women experience some health concerns at some point. However, some conditions are more prevalent in women than men. For instance, infertility is one of the common problems affecting a significant population of women globally. Individuals start considering fertility when they are actively on the verge of having a family. Recently, people with infertility worries have benefitted from gynecology Prospect Lefferts Gardens. Physicians utilize this procedure to test if you are infertile or vulnerable to infertility. The following are some common signs of infertility that women should understand.
Lack of Periods
Usually, when you stop practicing birth control methods, your body requires some months to regulate. However, if you do not receive your monthly period after three months, it is essential to contact your gynecologist. Lack of periods indicates that a woman is not ovulating, and there are minimal chances to conceive without medical help. The solution may be simple because popping a daily pill known as Clomid helps stimulate ovulation. If it does not work, your gynecologist may recommend in vitro fertilization (IVF) or intrauterine insemination (IUI).
Pelvic Pain
If you are experiencing period cramps, discomfort, or pain during your menstrual cycle, there are chances of having endometriosis. Once you have endometriosis, the tissue responsible for lining the uterine cavity repositions to the outside of the uterus. Moreover, the condition can lead to an increased possibility of ectopic pregnancy. Besides, endometriosis can decline the number of women supply, increasing the chances of infertility.
Sudden Inexplicable Weight Gain
Sudden weight gain that does not result from any changes in diet or physical inactivity can signal infertility. Sudden weight gain plays a significant role in fertility, even if you have conditions like polycystic ovary syndrome (PCOS), which makes the ovaries produce abnormal amounts of androgens. As a result, being overweight causes some difficulty in conceiving.
Substantial Hair Growth or Loss
PCOS is responsible for causing the small cysts to develop outside the ovaries causing the body to produce excessive male hormones. Therefore, if you detect hair growing in abnormal areas, including the chest, face, back, or arms, consult your gynecologist, as it may be a warning sign. Alternatively, hair loss or thinning can indicate signs of other infertility-associated concerns, including anemia, thyroid issues, and autoimmune disorders.
Age
Usually, the females’ fertility decreases with age. The chances of infertility surge at 35 years and continue to prolong with time. Moreover, if you are above 35 years, you are more likely to experience miscarriage and have a kid with a congenital disease. Therefore, if you are above 35, it is integral to have regular checkups with your gynecologist for medications.
The inability to conceive can be devastating and annoying. Therefore, if you would like to know your fertility status and warning signs of infertility, consult LaSante Health Center located in Prospect Lefferts Gardens, Brooklyn, New York. The center comprises a team of certified gynecologists you can choose from, offering a series of women’s health treatment and preventive care. To schedule an appointment, call or book online today to get started.


Marketing directors often have to adjust their strategy on a dime – especially those who work in the nonprofit space. How can you prepare yourself and your team to quickly pivot your plan when things suddenly change?
Build your strategy based on these seven principles to future-proof your plan. Deploying these steps can ensure your marketing campaigns will remain more relevant and effective – even in times of change.
1. Identify and reach out to your highly engaged patrons
The people most likely to respond to communications are those who are already highly engaged with your organization. Look at your data and take the time to figure out how to effectively reach them. Here’s a link to our free Marketing Persona worksheet if you need some help with this important step.
2. Be authentic in your messaging
Authenticity and transparency in your messaging is key. Keeping patrons up-to-date will help you establish trust with your supporters. Besides event status updates, be ready to share contingency plans and cancellation policies.
3. Use the right communications channels
Deploy messages on the channels that are the most effective and in a highly targeted way. Segment your direct mail, email, and social media campaigns to ensure that folks are receiving messages that are most relevant to them. Don’t clutter their inbox with messages that don’t apply.
4. Segment your follow-up communications
Rather than sending out a series of email blasts to the same group, send follow-ups after the initial communication in a strategic way. Segment follow-ups by behavior such as opens, CTA clicks, and non-opens. This method will allow you to increase the relevance of your messaging and improve your metrics.
5. Change your CTA
If plans have changed, you may also need to identify a new CTA to direct your patrons to take a new action. For example, instead of buying a ticket, ask them to engage with a piece of content, donate, or subscribe.
6. Set Key Engagement Metrics
Before you deploy your campaign, identify what your KPIs will be. These are unique to your organization and may have changed over time. Having clear key metrics will help you better gauge the efficacy of your campaign so you can quickly adjust. Set goals based on your own prior engagement rates. In other words, make it your goal to outperform your past self.
7. Be Flexible
If your campaign doesn't perform as you expect, be prepared to change your strategy. Your patrons will tell you what is working through the data. We helped the Westmoreland Museum of American Art adjust its strategy based on monthly analytics data.
We help nonprofits reach more patrons by improving their digital marketing strategy. Contact us to learn how we can help you.


The governance of insurance undertakings: corporate law and insurance regulation
Marano, P. and Noussia, K., eds. (2022)
Full text not archived in this repository.
It is advisable to refer to the publisher's version if you intend to cite from this work. See Guidance on citing.
To link to this item DOI: 10.1007/978-3-030-85817-9
Abstract/Summary
This open access volume of the AIDA Europe Research Series on Insurance Law and Regulation brings together contributions from authors with different legal cultures. It aims to identify the legal issues that arise from the intersection of two disciplines: insurance law and corporate/company law. These legal issues are examined mainly from the perspective of European Union (EU) law. However, there are also contributions from other legal systems, enriching the perspective with which to approach these issues.


If you think a crow is looking at you with malice in its eyes…chances are it is. Wild crows can recognise individual human faces and hold a grudge for years, according to research. “This ability – which may also exist in other wild animals – highlights how carefully some animals monitor the humans with whom they share living space. Field biologists have observed that crows seem to recognise them, and a few researchers have even gone to the extreme of wearing masks when capturing birds to band (or ‘ring’) them, so that they could later observe the birds without upsetting them. However, it was unclear whether the birds distinguish people by their faces or by other distinctive features of dress, gait or behaviour. To find out, John Marzluff at the University of Washington in Seattle and colleagues donned a rubber caveman mask and then captured and banded wild American crows. Whenever a person wearing the same mask approached those crows later, the birds scolded them loudly. In contrast, they ignored the same person wearing a mask of former US Vice-President Dick Cheney, which had never been worn during banding. ‘Most of the time you walk right up to them and they don’t care at all,’ says Marzluff.”
Related
Short-hop regional flights could be running on batteries in a few years.
The artifacts were often made from found objects – an Ivory dish-soap bottle transformed into an earthenware figure.
On New Year’s Eve 1899, the captain of this Pacific steamliner sailed into history. Or did he?


Enterprise Risk Management (ERM) refers to the methods and processes used by an organization to manage its risks and capitalize on opportunities related to its mission and strategic goals. ERM provides a framework for effective risk management.
The college recognizes that internal and external influences may occasionally interfere with its ability to meet stated strategic and operational objectives; as a result, it seeks to establish a coordinated process for identifying, evaluating, controlling, and monitoring potential risks or creating opportunities. The policy will ensure that the College can continue to manage risk from a holistic and practical lens to achieve its organizational goals and objectives and minimize unexpected challenges.
The primary aims of the ERM policy is to:
Improve the College’s capability to forecast and respond to emerging risks before they become crises.
Provide key information to aid in College strategic planning, performance management, and budgetary decisions processes.
Improve coordination across functional silos
Promote reliable reporting and monitoring across business units
Develop a risk appetite and key risk indicator criteria
Develop and facilitate working groups to identify and prioritize risks
Implement integrated campus-wide response plan which is in line with college’s strategic agenda
Development of a structured crossed departmental communication channels


According to Wenting Shang and colleagues, some bladder cancer tumors are difficult to capture with the standard of cystoscopy under white light imaging, leading to overlooked tumors and high recurrence rates. They conducted a study on the use of their previously developed, phage display-derived peptide-based near-infrared imaging probe, PLSWT7-DMI, for the endoscopic detection of bladder cancer, and reported it to be a “safe and effective approach for the improved detection of bladder cancer, and may enable thorough resection to prevent recurrence.”
The trial enrolled 22 patients diagnosed with suspected non-muscle invasive bladder cancer (NIMBC). The authors added that “the purity, efficacy, safety, and nontoxicity of PLSWT7-DMI were confirmed prior to its clinical application.” After intravesical administration of the probe, the mucosa was imaged with an in-house endoscope that could swap between white and near-infrared modes. Lastly, lesions observed under near-infrared light were biopsied and examined.
According to the report, the investigators observed a 5.1-fold increase in the fluorescence intensity in tumor tissue samples compared to normal tissue samples. They also calculated that the probe had a sensitivity of 91.2% and a specificity of 90%. Notably, “common diagnostic challenges, such as small satellite tumors, carcinoma in situ, and benign suspicious mucosa, were visualized and could be distinguished from cancer.”
Including that no adverse effects were observed during the study in their closing discussion, Shang and collaborators advanced that their bladder cancer cell-binding probe, PLSWT7-DMI, was safe and effective, and had the potential to improve tumor resection.


The term “emerging contaminants” and its multiple variants has come to refer to unregulated compounds discovered in the environment that are also found to represent a potential threat to human and ecological receptors. Such contaminants create unique and considerable challenges as the push to address them typically outpaces the understanding of their toxicity, their need for regulation, their occurrence, and techniques for treating the environmental media they affect.
Unregulated compounds that could be potential issues continually surface as detection technology improves, driving the need to more quickly evolve our understanding, technology, and appropriate response options to address them. It is clear that conquering this challenge will play a role in protecting our quality of life.
In
Emerging Contaminants Handbook, published by CRC Press, editors Caitlin H. Bell, Margaret Gentile, Erica Kalve, Ian Ross, and John Horst review the latest insights on emerging contaminant occurrence, regulation, characterization, and treatment techniques. The goal is to serve as a primer for deepening your emerging contaminant acumen in navigating their management where they may be encountered.
Use
Emerging Contaminants Handbook to: Explore the definition, identification, and life cycle of emerging contaminants. Review current information on sources, toxicology, regulation, and new tools for characterization and treatment of: 1,4-Dioxane (mature in its emerging contaminant life cycle) Per- and polyfluoroalkyl substances (PFASs; a newer group of emerging contaminants) Hexavalent chromium (former emerging contaminant with evolving science) 1,2,3-Trichloropropane (progressing in its emerging contaminant life cycle) Examine opportunities in managing emerging contaminants to help balance uncertainty, compress life cycle, and optimize outcomes.


Abstract
Pyoderma gangrenosum (PG) and Sweet's syndrome (SS) are two inflammatory skin diseases presenting with painful ulcers and erythematous plaques, respectively; both disorders have a debilitating clinical behaviour and PG is potentially life-threatening. Recently, PG and SS have been included among the autoinflammatory diseases, which are characterized by recurrent episodes of sterile inflammation, without circulating autoantibodies and autoreactive T cells. However, an autoinflammatory pattern clearly supporting this inclusion has never been demonstrated.We studied 16 patients with PG, six with SS and six controls, evaluating, using a sandwich-based protein antibody array method, the expression profile of inflammatory effector molecules in PG, SS and normal skin. The expressions of interleukin (IL)-1 beta and its receptor I were significantly higher in PG (P = 0·0001 for both) and SS (P = 0·004-0·040) than in controls. In PG, chemokines such as IL-8 (P = 0·0001), chemokine (C-X-C motif) ligand (CXCL) 1/2/3 (P = 0·002), CXCL 16 (P = 0·003) and regulated upon activation normal T cell expressed and secreted (RANTES) (P = 0·005) were over-expressed. In SS, IL-8 (P = 0·018), CXCL 1/2/3 (P = 0·006) and CXCL 16 (P = 0·036) but not RANTES were over-expressed, suggesting that chemokine-mediated signals are lower than in PG. Fas/Fas ligand and CD40/CD40 ligand systems were over-expressed in PG (P = 0·0001 for Fas, P = 0·009 for Fas ligand, P = 0·012 for CD40, P = 0·0001 for CD40 ligand), contributing to tissue damage and inflammation, while their role seems to be less significant in SS. Overexpression of cytokines/chemokines and molecules amplifying the inflammatory network supports the view that PG and SS are autoinflammatory diseases. The differences in expression profile of inflammatory effectors between these two disorders may explain the stronger local aggressiveness in PG than SS.
Keywords Autoinflammation Chemokines Cytokines Pyoderma gangrenosum Sweet's syndrome ASJC Scopus subject areas Immunology Immunology and Allergy Medicine(all)


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The battery can be charged and discharged hundreds of
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standby times are noticeably shorter than normal, replace the
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As CEO, I wanted the freedom to manage and operate without interference from the board. So when the board did not show interest in the day-to-day, it initially served my agenda. There truly are dangers in having board directors overly involved in management business, especially if they do not understand the more subtle nuances of operations and can inadvertently undermine the credibility the management team has in their leaders.
I also found a downside to this. When presenting to the board on key initiatives, the CFO and I needed the directors to understand enough about the business to engage in constructive discussions. We wanted to be asked challenging questions; we hoped to learn from the expertise of the board within the context of the company, as well as relevant industry trends and developments. Just counting on the directors listening to our presentation and reading the brief we had put into the board book was rarely enough.


The Assessment of Risk in Cardiothoracic Intensive Care (ARCtIC) is a national clinical audit of patient outcomes for those admitted to a cardiothoracic critical care unit in the UK.
Cardiothoracic critical care units admit two distinct patient populations: those who have undergone thoracic (chest) or cardiac (heart) surgery, and those who are admitted for acute cardiac conditions, including out-of-hospital cardiac arrest. Patients undergoing extracorporeal therapies for respiratory and cardiac failure in supra-regional cardiac centres will also be included.
This national clinical audit was conceived and is being developed to specifically compare and improve outcomes of patients admitted to UK cardiothoracic critical care units.
53% of the 36 NHS cardiothoracic critical care units in the UK currently participate. How it works:
Cardiothoracic critical care units submit data, quarterly, on consecutive admissions - as per general critical care units in the Case Mix Programme (CMP). Once data are validated, they are analysed and a Quarterly Quality Report (QQR) is produced. The QQR provides the same outcome measures and presentation as are used as in the CMP and an individual participating cardiothoracic critical care unit is compared both with all participating cardiothoracic critical care units, as well as, with all other participating critical care units. Reporting from ARCtIC not only includes QQRs, sent to each participating cardiothoracic critical care unit, but an Annual Quality Report (AQR) published online. Follow the related link for Annual Quality Report to view the latest AQR for adult cardiothoracic critical care.


Numerous advantages are available via the use of a wealth management advisor . To find out, read on!
A money manager may provide several advantages. It gives you access to financial and informational resources, a reliable partner, and professional counsel. The benefits of partnering with a wealth manager extend well beyond investment decision-making.
Investing with a wealth manager is a fantastic way to safeguard your cash and prevent financial catastrophe.
This post will examine some of the most prevalent advantages of working with a wealth manager. Check it out!
Investment Counsel
Complete financial planning is one of the most prominent forms of wealth management that a wealth manager does. These experts evaluate all facets of a client’s financial situation, including investments, tax efficiency, and estate planning. They also take the time to educate customers on why they should hold certain assets and the status of their portfolio as a whole.
One of the advantages of wealth management is the guidance you get. A money manager is educated to put your best interests first. Their fee structure is often designed such that they are only compensated if they assist you in achieving your financial objectives. At the same time, many money managers have competence in other disciplines. For instance, a customer may have $2 million in investable assets and a trust to safeguard their grandkids. Additionally, they may seek guidance on retirement planning or tax reduction. Fiscal Planning
As part of wealth management, tax planning may be beneficial for minimizing taxes and reaching financial objectives. Comprehensive planning considers the influence of tax rates and policies on economic and investment choices. The advisers at RBC Wealth Management help create an efficient tax plan for you.
Several methods to decrease the tax burden include IRA retirement savings and tax loss harvesting.
Appropriate tax preparation gives better payment schedule flexibility and lessens the effect on personal finances. A significant advantage of tax preparation is having complete control over your money and taxes. It permits budgeting and achieving financial sustainability. These advisers will also consider prospects for low-tax income, extra tax deductions, and the tax ramifications of significant financial transactions and investments. They will suggest methods to decrease long-term tax liabilities. Finally, tax planning may assist you in locating tax deductions and maximizing your estate. Insurance
Life insurance offers financial advantages that extend beyond income replacement. It may provide cash for paying estate taxes and distributing inheritances equitably. In addition to protecting your legacy, insurance may ensure that your heirs get significant assets following your passing.
There are several advantages to integrating insurance into wealth management strategies. Here are some strategies for incorporating insurance into your money management plan:
In addition to safeguarding physical and financial possessions, insurance may help you achieve long-term objectives such as a comfortable retirement, living independently, and leaving a legacy. Choosing the right insurance plan for your requirements may be difficult and time-consuming. Therefore, selecting a financial counselor with insurance and financial planning expertise is essential. Their knowledge and tools will assist you in making the best decision for your scenario. Analysis Of Sufficient Capital
Capital sufficiency analysis is a technique used by wealth managers to examine whether a client’s resources are adequate.
Core Capital refers to the number of funds an investor requires to attain various financial goals, such as early retirement, charity contributions, family presents, and investments in new enterprises.
The method gives a probability to each event based on the quantity of money available, including surplus capital. This information may benefit customers as it enables them to choose the most suitable investing strategies.
However, the process is not static and should be re-evaluated often. The findings of the capital sufficiency study might indicate strategy advancements or modifications. When doing a capital adequacy analysis, it is common to include the client’s life expectancy and marginal tax rate. This method may also demonstrate to a customer what sort of rate of return they will need to achieve their yearly spending objective.
Relationship-Based Methodology
Developing a relationship-based approach to wealth management is a potent tactic to keep your customers returning. Establishing customer confidence is essential for the success of a relationship-based wealth management approach. Developing a reliable connection demands time and practical knowledge.
A relationship-based approach to wealth management provides a more relaxed and informed client connection. It may assist customers in making better financial choices due to their advisor-client relationship. A relationship-based approach to wealth management is centered on assisting clients in achieving their long-term objectives while ensuring that they are consistent with their beliefs. Relationship managers encourage their clients to reflect on their beliefs and motivations before quantifying their customers’ values and passions into future spending demands, assets for family members, and philanthropic pursuits.
These objectives are summarized in papers that act as touchstones for future talks. However, since life is not static, wealth ambitions might alter over time.
Final point
Contact our pension wealth management company if you’re interested in maximizing your retirement savings.
A pension wealth management firm can offer you customized solutions, including corporate pension solutions. During an initial consultation, you can discuss your overall situation and investment ideas.
After your consultation, you’ll receive a wealth management check-up and investment ideas. You can even hire our
wealth management advisor to manage your retirement funds if necessary.


Three German political parties have reached a partnership agreement this week. It will see the left-leaning Social Democrats, the Green Party and right-leaning Free Democrats assume the reins in December. An agreement between the new government coalition has included cryptocurrency, which advocates for equal access between traditional and innovative finance models.
The 177-page agreement was published in rough translation on Wednesday. It calls for a new dynamic in relation to the opportunities, risks and benefits of new financial innovations, such as crypto assets. This document says that the European Union supervisory body should not just take care of traditional financial sectors but also prevent misuse of crypto value for money laundering and financing terrorist activities.
It was reportedly two months of negotiation to form the coalition following the German federal election of Sept. 26, according to reports. This marks the end of Angela Merkel’s 16-year reign as Chancellor. Olaf Scholz, SDP’s leader, will replace her.
Two proposals were adopted by the European Council, which sets the EU’s political agenda. They include the “Regulation on Markets in Crypto Assets Framework” (MiCA framework) and the “Digital Operational Resilience Act.”
MiCA was drafted in September 2020 by the European Commission. It aims at creating a regulatory structure for the cryptocurrency-assets markets that supports innovation, draws on the potential to draw on the potential to crypto-assets. However, if it is ratified by European Parliament, it will apply more stringent criteria to crypto asset issuers. Nonfungible tokens, as well as utility tokens, will not be included in the regulation.


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Coaching is vital to support the growth and development of new and mid-level managers. And, as individuals ascend in their organizations and assume more responsibilities, the need for an individual coach becomes even greater.
Coaching provides leaders the opportunity to explore and strengthen their leadership skills to improve employee engagement, enhance equity and fairness, retain key talent and strengthen organizational culture, all in a private space.
If we think about coaching in terms of Olympic athletes, an Olympic athlete would never consider not having a coach at a pivotal moment in their career. They invest in a coaching relationship recognizing that coaching becomes about subtle nuances and not whole-scale changes. And yet, for some reason, we don’t translate that need for further investment in coaching into the professional world.
The coaching process is deeply personal and finding the right fit is critical for the relationship to yield intended positive results.
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Strabag has won a contract worth €108m to build a 16.7km long section of the A1 motorway in Poland.
The Fehmarn Belt Contractors consortium has won tunnel dredging and reclamation contract for the Fehmarnbelt Fixed Link tunnel project.
Manchester City Council has given the green light to a £1bn transformation programme for Manchester Airport.
Swedish construction firm Peab has secured a contract worth about SEK1.02bn ($119m) to carry out a reconstruction of the European route E45 in central Gothenburg, Sweden.
Engineering solutions provider Costain has secured an early contractor involvement (ECI) contract from Lancashire County Council for the Preston Western Distributor and associated link roads, in the UK.
A consortium led by Ferrovial subsidiary Cintra has won a contract valued at €1.01bn from the Slovakia Ministry of Transport to design, construct, finance, operate and maintain the beltway around Bratislava, Slovakia.
Strabag, through its Polish subsidiaries, has secured two road construction contracts worth PLN484m (about $120m) from Poland’s General Directorate for National Roads and Highways (GDDKiA).
Vinci has won a contract to design, finance, construct, operate and maintain the 24km western Strasbourg bypass in France.
French company Bolloré Group has secured a contract from the authorities of East Timor to design, construct and operate the deepwater port at Dili.
The European Investment Bank (EIB) has provided a €230m loan to Finnish airport operator Finavia for the expansion of Helsinki Airport in Finland.
Work on the Lincoln Eastern Bypass project in the UK is expected to start in 2016 after the project secured the approval from the Secretary of State.
MV Cargo has signed a share purchase agreement with Cargill to build a grain terminal worth about $100m in Yuzhni, Ukraine.
Involving tunnelling through 33km of mountain, the Koralm railway tunnel is set to become the longest entirely within Austrian territory.
There’s no doubt that for the idea of the Northern Powerhouse to become a reality we need better infrastructure in the North, and we need it fast. But how do we build the schools, houses, hospitals, rail stations and other buildings we need across the region quicker and cheaper, without sacrificing quality? John Edwards at Atkins Group looks at solutions.
One critically important, but perhaps under discussed, area of the Northern Powerhouse is energy. In particular, where will it be generated, what technologies will be used now and in the future and how will it be decarbonised? And most importantly, how will it be distributed effectively and efficiently across the Northern Powerhouse. Paul Yates at Atkins Group discusses.
Highways England has completed a £100m ‘smart’ upgrade along a stretch on the M6 motorway in the Midlands, UK.
Ardmore has secured an £80m ($115.3m) contract from Notting Hill Housing and Sellar Developments for phase one of Project Light at Canada Water in Southwark, UK.
When the Highways Agency announced its Collaborative Delivery Framework in November 2014, it emphasised collaboration among all partners as the key ingredient in the successful delivery of the £24 billion investment to transform England’s major road networks up to 2021. Simon Ellison, Highways Sector Director at Costain, outlines his views.


With the rise of cloud computing, the internet of things and the IoT edge devices, there are new potential threats in the industry. The cyber threat landscape is seeing a rise in Malware-as-a-Service and over the years, market researchers have predicted that there will be an unexpected rise in mobile malware, botnets, banking fraud, ransomware and attempts to bypass two-factor authentication. With corporate data moving into the cloud, cybersecurity companies have seen a significant spike in targeted attacks on a large amount of corporate data based in the cloud.
A recent report indicates that about 21% of the data, which includes intellectual property, customer and personal data, is now managed in the cloud. Cybercriminals are using various methods to target corporate data, particularly by targeting weak APIs or ungoverned APIs. A McAfee 2019 Threat report outlined a few scenarios which included cloud-native attacks targeting weak APIs or ungoverned API endpoints, exfiltration of data in cloud databases, and leveraging the cloud technology as a springboard to launch crypto jacking or ransomware attacks.
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The three key trends, as outlined by cybersecurity company emphasise how attackers are getting more sophisticated in the use of AI to help avoid detection by security software, particularly to automate target selection, or to check infected environments before deploying later stages and avoiding detection. In fact, the Threat report revealed that an entire underground economy has emerged, where criminals can now outsource products and dedicated services to aid their activities.
AI As A Means For Evasion:The accessibility of sophisticated technologies such as AI will enable cybercriminals to develop cyberattacks with increasingly sophisticated evasion techniques. By leveraging AI, cybercriminals have the ability to automate target selection, scan for target network vulnerabilities, understand the responsiveness of infected environments to avoid detection before deploying later stages of attacks Similar Bot-enabled Social Media Attacks Can Be Repurposed: Close on the heels of US elections which were swayed by Russian hackers deploying bots, cyber experts believe a similar strategy can be deployed to amplify deceitful messaging. Following in the footsteps of recent infamous election campaigns which swayed public opinion, cybercriminals are more likely to repurpose bots and leverage social media to extort organizations by threatening their brands IoT Attacks Via Tablets, Smartphones And Routers:The report underscores the rise in mobile malware which can infiltrate smartphones, tablets, and routers to gain access to the digital assistants and home IoT devices they control. Once infected, these devices will allow access to consumer homes while supplying botnets, which can further be used to launch DDoS attacks or gain access to personal data Key Cybersecurity Challenges Faced By Indian Enterprises
India ranks 4 out of 10 in the list of most-targeted companies. Between April 2017 and January 2018, around 22,000 websites were hacked, Indian Computer Emergency Response Team revealed. A recent report by CERT indicated incidents of large-scale crypto-mining carried out through compromised routers that inject a cryptominer on the websites visited by the users. In other words, attackers are using the user’s resources to cryptocurrency without the user’s permission. Another news report indicated over 493 websites out of which 114 were government-run were also affected by malware in India.
According to Shree Parthasarthy, Partner, National Leader-Cyber Risk Services, Deloitte India, in the last few years, India has seen a marked increase in data breach incidents and cyber-attacks across sectors and company sizes. “Now that the data protection bill is about to be tabled in the Lok Sabha, strengthening cybersecurity capabilities has become the topmost priority for many organizations and their stakeholders,” he said. While leading enterprises are able to pre-empt the attacks through resilient security systems, startups and small organisations are exposed to cyber threats and loss of data. A NASSCOM report indicates that the size of the Indian security market is $953 and is expected to grow 2x by 2020.
Hackers are aware that small and medium-sized businesses invest little in beefing up their defence and improving the cybersecurity, which gives an easy opportunity for attackers to exploit. These data breaches can leave SMEs and startups exposed to ransomware attacks and loss of data. A recent report highlights that in the wake of cyber attacks in India, sectors such as e-commerce, government, defence and BFSI have become the key adopters of security solutions. In the last few years, over 50 Indian companies have set up base in India to develop cutting-edge security solutions and products.


by Bill Rudge
I have experienced hundreds of exciting witness encounters using insight through creative ideas and illustrations. Every encounter has its own approach and conversational style, but the final message is as simple as A-B-C and D:
A – Admit you are a sinner in need of God’s forgiveness. There is nothing you can do to pay the penalty of sin or earn your salvation (Romans 3:23). The penalty for sin is death, and only God’s righteous, sinless Son could pay that penalty. So, the only solution to your dilemma is to come to Jesus Christ in repentance, receive His free gift of salvation, and accept Him as your Savior and Lord. “ But as many as received Him, to them He gave the right to become children of God, even to those who believe in His name” (John 1:12). B – Believe in your heart that Jesus died for your sins and rose from the dead. Just believing in something doesn’t make it true, no matter how sincere you are. Nor is it the intensity of belief that makes something true. It is who and what you believe in that really matters. Jesus said, “…unless you believe that I am He, you will die in your sins” (John 8:24). To “ believe in” is more than merely acknowledging the reality of Jesus Christ; it means “to trust in and rely on” – a belief that results in committing your life to Him. C – Confess with your mouth that Jesus died and rose again. Tell others that you have accepted Him as your Savior and Lord. “If you confess with your mouth Jesus as Lord, and believe in your heart that God raised Him from the dead, you will be saved; for with the heart a person believes, resulting in righteousness, and with the mouth he confesses, resulting in salvation” (Romans 10:9-10).
When you sincerely act on A, B, and C, something amazing happens. God’s Spirit indwells you and begins to mold you into a new creation. Your name is written in the Book of Life! And when you depart this life, you will be welcomed into God’s eternal kingdom and receive all He has prepared for those who love Him.
D – Demonstrate your faith by growing in your personal relationship with Jesus Christ through regular Bible study and prayer, fellowshipping with other believers, and being a witness to those who do not yet know Him. Demonstrate a changed life as His Spirit and Word transform you, molding you into the person you were created to be. No Greater Love
Knowing and living for Jesus Christ is a wonderful spiritual journey with life-changing experiences and eternal blessings. Your acceptance of Jesus Christ as Savior and Lord will prove to be the wisest, most courageous, and most eternally significant decision you will ever make.


Epistaxis is characterized by hemorrhage or bleeding from the nose.
While the majority of the nose bleedings are self-limiting, those not responsive to compression, nasal packing or other non-endovascular treatment options may need endovascular management. This especially holds for bleeding from the backside (posterior cavity) of the nose. This article will talk about the management of the epistaxis in the posterior nasal cavity and its management. Causes
Some common causes of epistaxis include:
Hypertension Blood vessels disorders Fall and injury Blood clotting disorders Upper respiratory tract infections
However, in some cases, the cause of nose bleeding may not be known.
Management
Most cases of epistaxis are in the front side of the nose or in the anterior nasal cavity. They
are relatively easier to manage. However, the bleeding in the posterior nasal cavity is challenging to manage. Treatment options of the posterior nasal cavity bleeding include: Non-Endovascular Management
Along with conventional measures, posterior nasal cavity bleeding needs anterior and
posterior packing to provide adequate compression. It also prevents the bleeding from entering the food pipe. However, this packing needs removal after 48 hours to prevent infection and other complications. Endovascular Management
In cases of recurrent or persistent epistaxis, endovascular management is an excellent option
with a success rate between 71%-100%. It is also a cheaper and comparatively safer option as compared to surgery. Your doctor will decide the need for general anesthesia based on your problem and the underlying cause. They may advise blood tests to find out the underlying cause. The next step is angiogram and embolization. The doctor will first carry out an angiogram for evaluating your blood vessels. They will introduce an embolizing agent in the branches of the blood vessels, causing epistaxis. The doctor will take extra care in deciding the amount of embolizing agent as an additional amount may result in blockage of the healthy blood vessel. After the procedure, the doctor will decide to remove the nasal packaging depending on the condition Final Thoughts
About 95% of the epistaxis originate in the anterior nasal cavity and can easily be managed
with packaging and compression. However, the remaining 5% of the cases originate from the posterior cavity and are more challenging to manage, needing endovascular treatment. Endovascular embolization is a safe and effective option compared to surgery.


Youth-Led Social Identity and Movements: A Case Study of Youth Activism in Hong Kong Published Web Locationhttps://doi.org/10.5070/L618154799 Abstract
This paper explores the forces which spark youth activity in global social movements with a focus on Hong Kong youth as a case study. The three factors which propel youth activism–youth social identity, youth’s desire to be heard, and a rise in online activism–are present in historic and contemporary social movements globally. The same factors are also present in youth-led Hong Kong’s pro-democracy movement. In response to China’s authoritarian political agenda, Hong Kong youth have solidified their identity as Hong Kongers rather than Chinese. Through public displays of opposition, they have ensured that their voices are acknowledged by adults. Moreover, with social media, youth have mobilized each other exponentially furthering the movement’s efforts. The more that China attempts to exert their control over Hong Kong, the stronger the youth continue to resist.


The S3P platform, created by a group of French industrialists and IT vendors over the course of three years, has been commercially released. It allows for the quick creation of safe and secure IoT services.
The 11th Assises de l’Embarqué, which focused on embedded systems connected by sensors and capable of interacting with other systems, took place on December 19, 2018 at the Bercy conference center. The symposium, which was put on by Syntec Numérique, Cap’Tronic, and the competitiveness clusters of Aerospace Valley, Images & Réseaux, Minalogic, and Systematic, was particularly focused on the S3P (smart, safe, and secure) platform that has recently been delivered to facilitate the design and marketing of Internet of Things services. The S3P consortium was established three years ago, which served as the catalyst for the development of this IoT platform. The latter brings together manufacturers (Airbus, Alstom, Altran, Safran, Schneider Electric, SurTec and Thales), as well as technology providers (including Ansys, Prismtech, Sysgo, Prove & Run, Trust in Soft, MicroEJ, Krono-Safe, List, NXP, STMicro, CEA and the Eclipse Foundation). The project required a €45 million investment.
The S3P platform’s technologies have been verified through industrial use cases spanning a variety of IoT applications. Interoperability with other significant Internet of Things platforms was one of the project’s goals. Additionally, it had to support the portability of applications across a range of settings, particularly on infrastructures with minimal resource usage. According to the S3P alliance on its website, the platform had to be able to ensure a high level of security and permit the development of “critical software from the point of view of their operational safety.” Particularly, the applications developed must be able to be integrated into industrial systems that adhere to the strictest operating safety standards.
A platform validated with Airbus and Alstom
The S3P alliance details the various use cases that have allowed the platform to be validated in a presentation guide, such as in the field of aviation with Airbus and in railway signalling systems with Alstom. On one hand, Thales worked on distributed and reconfigurable real-time systems, and on the other, secure multi-domain interoperability capabilities. A use case in e-health involving the individualised monitoring of chronic diseases has been validated by Altran. Additionally, he has contributed to platform operation for Industry 4.0 production systems. In the area of secure home automation, STMicroelectronics, a manufacturer of semiconductors, has developed two hardware platforms for its microcontrollers.


Abstract
A number of (E)-2-styrylthiophenes, exhibiting a range of electronic effects, and (E)-2-styrylpyrrole were synthesized and their electrochemical behaviour investigated. The films, produced by anodic electropolymerization, were redox inactive and exhibited conductivities of the order of 10(-6) S cm(-1). The nature of the films was investigated by electrochemical, spectroscopic and microscopic techniques. The low conductivities exhibited by these films may be attributed to oxidation of the alkene spacer linkage resulting in a crosslinked polymeric matrix. Solid-state NMR, FT-IR and photoacoustic-IR confirmed the presence of saturated carbon atoms which would inevitably lead to a decrease in conjugation length. However, in all cases, stable coherent films were obtained from the electropolymerization reaction and an exceptionally smooth film of 20 mu m in thickness could be grown from (E)-2-styrylpyrrole on ITO glass.
Original language English Pages (from-to) 171-182 Number of pages 12 Journal Synthetic Metals Volume 73 Issue number 2 Publication status Published - 1995


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Skin - Nails - Hair Integumentary System
Skin Health + Beauty
Skin, hair and nails are visible manifestations of cellular health, they are a great lens into your overall health. The balanced combination of vitamins, minerals, amino acids, enzymes and antioxidants all work together to generate flexible health cellular regeneration and glowing natural beauty. AFA also contains a unique UV protector amino acid that acts as a cellular sunscreen. AFA also supplies perfectly balanced vitamins to support skin regeneration. Vitamin E, A, K, vitamin coenzyme Folic acid B9, Niacin B3, Riboflavin B2, Pyridoxine B6, Cobalamin B12 and Pantothenic acid B5. These vitamins with key minerals iron, calcium, chromium, magnesium Zinc and copper,
Good Habits
A healthy diet
Balanced lifestyle
Exercise
Good hydration and AFA
Bad Habits
Excess refined sugar
Alcohol
Smoking,
Eating fried foods
Dairy products,
Over eating
Toxic soaps
Poor Stress Management
Saluz + Skin Health
AFA supports natural beauty by supplying the body with key nutrients to keep skin and hair looking healthier. Resulting in stronger, more elastic clear skin, acne and UV protection. AFA also contains a unique UV protector amino acid that acts as a cellular sunscreen.
Your skin completely renews itself every 27 days and is a visible reflection of your complex inner cellular heath. To create healthy functioning cells, enzymes, vitamins, minerals and essential fatty acids (EFA) must work together. These nutrients are all in abundance, perfectly balanced and bioavailable in AFA.
The amino acids proline, serine and glutamine that are in AFA stimulate collagen production. Vitamin A and beta carotene reduce skin thickening. Gamma-linolenic acid (GLA) is crucial for maintaining health and flexibility of cell membranes
Lecithin can assist in breaking down cholesterol bumps under the skin. Often enzyme deficiency causes skin lesions, red bumps or eczema. AFA filled with Omega 3’s or fish oils support this. Cysteine biosynthesized in the liver from methionine, which contains the mineral sulfur which is crucial for healthy glowing skin.
Biotin (Vitamin B7) is a water soluble vitamin that utilizes sulfur in the production of skin and hair cells. It is needed in very small amounts and is known as connected to skin and hair health.
AFA contains Mycosporine-like amino acids (MAAs) which are water-soluble molecules that absorb UV-A and UV-B radiation and disperse the energy as heat. They are present as an evolutionary adaptation to intense sunlight acting as a sun screen protector.


A Direct Observational Measure of Family Functioning for a Low-Resource Setting: Adaptation and Feasibility in a Kenyan Sample.
Journal Article (Journal Article)
Family interactions are recognized as highly influential for youth development of psychopathology. Key challenges for assessing family functioning include cross-cultural variability in functioning and self-report measurement challenges. Observational measures-adapted to cultural context-provide an approach to addressing challenges. This study aimed to adapt a direct observational tool for assessing family interaction patterns in Kenya, to outline a replicable adaptation process, and to explore tool feasibility and acceptability. We reviewed existing tools to assess their adaptability based on compatibility with context-specific data. After initial modifications, the measure was iteratively adapted through pilot testing and collaborative discussions between U.S. and Kenyan collaborators that drove changes and further piloting. The measure was administered to 26 families. The Family Problem Solving Code was chosen for adaptation. The tool's activity structure was feasible to administer, but activity content showed low acceptability, requiring new content. Final activities included (a) a hands-on problem-solving task, (b) a discussion of marital conflict with couples, and (c) a structured discussion of family hopes. Codes were adapted to reflect culturally congruent descriptions of behavior, expressions, and interactions, including an emphasis on nonverbal interactions. The scoring system was modified to facilitate training and consistent rating among trainees with limited experience. Observational tool findings were consistent with those of an interview assessing family functioning, rated by clinical and non-clinical raters. Adaptation resulted in a culturally relevant tool assessing family functioning that proved feasible and acceptable. The adaptation process also proved feasible and efficient in a low-resource setting, suggesting its utility for other contexts.
Full Text Duke Authors Cited Authors Giusto, A; Kaiser, BN; Ayuku, D; Puffer, ES Published Date Published In Volume / Issue Start / End Page PubMed ID Pubmed Central ID Electronic International Standard Serial Number (EISSN) International Standard Serial Number (ISSN) Digital Object Identifier (DOI) 10.1016/j.beth.2018.08.004 Language


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This guideline covers the assessment and early management of fever with no obvious cause in children aged under 5. It aims to improve clinical assessment and help healthcare professionals diagnose serious illness among young children who present with fever in primary and secondary care. This guideline should be read in conjunction with the NICE guidelines on sepsis, neonatal infection, meningitis (bacterial) and meningococcal septicaemia in under 16s, urinary tract infection in under 16s, diarrhoea and vomiting caused by gastroenteritis in under 5s and antimicrobial prescribing for common infections.


Kristin D. Hussey is a historian of medicine and museum curator. She is currently a postdoctoral research fellow at the University of Copenhagen’s Medical Museion and Novo Nordisk Foundation Center for Basic Metabolic Research (CBMR). In 2018, she was the inaugural recipient of the McCarthy Award for the History of Medicine.
Since the eighteenth century, European administrators and officers, military men, soldiers, missionaries, doctors, wives, and servants moved back and forth between Britain and its growing imperial territories. The introduction of steam-powered vessels, and deep-docks to accommodate them at London ports, significantly reduced travel time for colonists and imperial servants traveling home to see their families, enjoy a period of study leave, or recuperate from the tropical climate. With their minds enervated by the sun, livers disrupted by the heat, and blood teeming with parasites, these patients brought the empire home and, in doing so, transformed medicine in Britain. With
Imperial Bodies in London, Kristin D. Hussey offers a postcolonial history of medicine in London. Following mobile tropical bodies, her book challenges the idea of a uniquely domestic medical practice, arguing instead that British medicine was imperial medicine in the late Victorian era. Using the analytic tools of geography, she interrogates sites of encounter across the imperial metropolis to explore how medical research and practice were transformed and remade at the crossroads of empire.


Diamond color and clarity guide
The color and clarity of a diamond are two key factors to consider when choosing your perfect engagement ring.
Diamond clarity is the term used to measure naturally occurring ‘inclusions’ or tiny blemishes are seen within a diamond at ten times magnification. This is measured on a diamond clarity scale which ranges from ‘Flawless’ to ‘Included’.
The natural color of a diamond is one of the standard 4Cs of diamond quality.
White diamonds are available in colors ranging from D – Z, with D diamonds having no hue and displaying the greatest brilliance. This is measured using the Gemological Institute of America, or the GIA color scale. Within this range, our diamonds are only available between D and I colors.
When you’re looking for diamonds to purchase, the diamond color is one aspect of the buying process that you shouldn’t overlook. Diamonds can vary hugely in price based on their color, meaning that picking the right color for your specific needs could help you save a lot of money without affecting the appearance of your diamond.
Fancy-colored diamonds manifest in a range of tones including green, blue, yellow, orange, pink, and red. Red diamonds are the rarest, with only around 20 to 30 true red diamonds known to be in existence.
The GIA (Gemological Institute of America) is a renowned and well-respected diamond grading entity that issues reports for diamonds. It’s advisable to seek a GIA certificate for every diamond you view due to the varying degrees of color that you may come across.
All solitaires purchased from Vees Star are accompanied by a GIA certificate.


I feed him twice a day and make sure he has water. I give him fresh bedding and keep his environment between 65F-75F so he stays healthy. I talk with him and hold him. Slowly, this little furry friend has grown to trust and rely on me, a big giant human that towers over him like a mountain and could squish him with my stomp. I don’t speak guinea pig, yet he understands my tone and my gentle, caring touch. He responds to the sound of my voice and perks up when he realizes I am in his presence. And when he becomes startled by a loud noise, I pick him up and cuddle him until his heartbeat settles again.
While I am home, I raise the door on his cage and he never tries to escape. Though I do sense he enjoys me being nearby as I work at my computer because he makes chortles and wheeks to get my attention.
Cavies, as guinea pigs are often called, are timid creatures. Their tendency is to hide from predators, especially ones that swoop down from above. They prefer strong boundaries, such as caves or tunnels. So it amazes me that one of them would actually bond to this big ol’ human on two feet that soars above him and can pick him up in one hand. But, it happened fairly quickly.
Still, I wonder what goes on in his tiny, fur-covered brain. Would I be satisfied if our roles were reversed? Could I live in a cage, totally dependent on someone to take care of me and see that I received what I need each day to survive? Would I be content or crave freedom? Would I be compliant or rebel?
Then I sucked in a breath as I realized I am like my guinea pig. My cage is the boundaries set by the Word of God. As long as I stay within them, I am secure and safe. God provides my every need (Matthew 6:25-33) if I seek Him as my Savior. He holds me and carries me, protects me, and comforts me as my great Shepherd. And do I dare say He smiles when I realize He is present in my life? Scripture tells me He does.
The Lord your God is in your midst,
a mighty one who will save; he will rejoice over you with gladness; he will quiet you by his love; he will exult over you with loud singing. (Zephaniah 3:17)
Our human brains fool us into believing we can survive on our own, be independent, and not need anyone else for our survival. Our hearts and souls tell us differently. Freedom is not doing what we what when we want. It is the ability to roam safely and securely within our given, natural limits. Contentment comes once we realize it.
Lord, help me be more like a guinea pig, trusting in your protective, caring love and staying within the safe boundaries of your Word and the guidance of your Holy Spirit. Let me crave the sound of your voice in my soul, and respond to you in prayer and supplication, praise, and thanksgiving. May I always feel your presence in my life, more caring than any human touch. Instill in me total trust that you will provide for me and never leave me. Thank you for all you have and will provide. Amen.


The U.S. Congress and Biden-Harris administration have a clear opportunity to supercharge global health research and development (R&D) in the wake of a pandemic that has revealed both the sector's chronic neglect and amazing potential, according to a detailed agency-by-agency action plan released today by the nonprofit Global Health Technologies Coalition (GHTC).
"The same core capabilities instrumental to defeating COVID-19 can also defeat diseases that have plagued humanity for generations--such as AIDS, tuberculosis, malaria and Ebola--while targeting emerging pathogens of pandemic potential," said GHTC Director Jamie Bay Nishi. "Developing vaccines in such record-breaking time is, in reality, the product of decades of R&D investments. With smart funding and policy decisions, this foundation can generate a new era of innovations that will protect the health of millions of Americans and billions of people around the world."
The report breaks down the individual and often less-appreciated engines of the U.S. global health R&D enterprise--including critical initiatives within the U.S. Agency for International Development (USAID)--to identify specific actions across the government that can channel President Biden's promise to lead with science and international cooperation, to realize the promise of R&D for global health.
It notes that such investments produce more than just health benefits. They also have a strong track record of creating hundreds of thousands of jobs across the United States and tens of billions of dollars in economic benefits. Meanwhile, the assessment reveals how the rapid development of COVID-19 vaccines is directly connected to work on other global health threats: the Johnson & Johnson vaccine uses a similar approach as the company's Ebola vaccine; the Moderna platform was previously being developed for candidates against other respiratory viruses and chikungunya; and the Oxford University-AstraZeneca vaccine is based on technology from malaria vaccine research.
But the report warns that today, global health R&D hangs in the balance between "broad setback and inspiring possibility." It notes how the demands of fighting the COVID-19 pandemic revealed the enormous value of investing in global heath innovations, while at the same time it has diverted resources and personnel from the battle against many other threats.
GHTC's prescription for rejuvenating global health R&D includes:
Doubling support for global health programs at USAID and setting minimum funding targets for R&D within these increases, establishing a new position--chief science and product development officer--within the agency, and funding a new $200 million USAID Grand Challenge for global health security. The report notes that USAID is the "only U.S. agency with a mandate to focus on global health and development." Yet despite USAID's strong track record in delivering high-impact health innovations and an extensive network of partnerships, GHTC found that the agency's unique capabilities have been underutilized and underfunded as part of the U.S. government's COVID-19 response. Increasing funding for the U.S. Centers for Disease Control and Prevention (CDC), particularly for its Center for Global Health, the National Center for Emerging and Zoonotic Infectious Diseases, and the Division of Tuberculosis Elimination and its Tuberculosis Trials Consortium. The report notes these programs have been "operating on tight and relatively stagnant budgets" and that the fight against COVID-19 compounded the problem by diverting resources and expertise. Meanwhile, the analysis points to the need to revitalize CDC's global health work as part of the broader effort to rebuild an agency that was "politicized and undermined" during the COVID-19 response. New, targeted funding at the National Institutes of Health (NIH), including more support for product development and translational research for areas lacking commercial interest and steady funding increases for the Fogarty International Center alongside sustained growth for the National Institute of Allergy and Infectious Diseases and the Office of AIDS Research. The report points out that NIH's high-profile work in confronting COVID-19 has highlighted the importance of past investments that have provided the "building blocks of future drugs, vaccines and diagnostics." But it also warns that the pandemic has stymied non-COVID-19 work, "leading to urgent requests for relief." Establishing a permanent funding line at the Biomedical Advanced Research and Development Authority (BARDA), supported by at least $300 million annually, to support work on emerging infectious diseases, antimicrobial resistance (including drug-resistant tuberculosis or TB), and pandemic influenza. The report finds that, despite its proven value in dealing with a range of threats, BARDA has been overly reliant on "one-off" emergency supplemental appropriations in response to epidemic crises, leading to gaps in its portfolio. For example, BARDA is not involved in research on drug-resistant TB, even though experts have warned that it's a major health security threat to the United States. Working with the executive office of the president to create much tighter coordination for US-funded global health work. The report calls on the White House to elevate the importance of global health R&D in achieving social justice priorities and to ensure USAID is involved in high-level advisory bodies on the pandemic response. The report found that USAID, despite its significant global footprint, was largely excluded from White House pandemic response efforts in 2020. But GHTC notes that USAID's expertise and partnerships around the world will be essential for achieving the global pandemic response envisioned by the Biden-Harris administration. Protecting malaria and other parasitic disease work along with TB and antimicrobial research supported by the Department of Defense (DoD). The report pushes back against recent DoD moves to eliminate malaria research programs, noting that such cuts would scuttle decades of progress achieved via research at the Walter Reed Army Institute of Research and the Naval Medical Research Center. GHTC calls on Congress to consider protecting DoD work on malaria--which it notes remains a considerable threat to U.S. troops deployed abroad--with a dedicated funding line. Meanwhile, the report views increased funding for DoD's efforts to develop new treatments for antimicrobial-resistant pathogens as essential to "strengthening global health security by preventing a post-antibiotic era." Increasing support for key multilateral initiatives, such as the Coalition for Epidemic Preparedness Innovations (CEPI). GHTC believes joining CEPI and committing at least $200 million annually would provide a much-needed boost to an initiative dedicated to developing vaccines against epidemic threats and making them globally accessible. GHTC also seeks a greater role for the U.S. Food and Drug Administration (FDA) in working alongside the World Health Organization (WHO) to provide technical support to under-resourced regulatory authorities that would accelerate access to a range of biomedical advances.
GHTC's analysis finds that by embracing a strong action plan for global health R&D, decisionmakers in Congress and the Biden-Harris administration can seize on the possibilities revealed by the work to defeat COVID-19 to launch a new, stronger era of research for neglected and emerging infectious diseases.
"Never has a single disease demonstrated what can be accomplished in so little time with the full resources and focus of the U.S. government," it concludes. "Scientific milestones to defeat many of our world's toughest global health challenges are within sight, and with strong funding and smart policy, these milestones can be reached."
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The Global Health Technologies Coalition (GHTC) works to save and improve lives by encouraging the research and development of essential health technologies. We bring together more than 30 nonprofit organizations, academic institutions, and aligned businesses to advance policies to accelerate the creation of new drugs, vaccines, diagnostics, and other tools that bring healthy lives within reach for all people.


As cloud-native adoption and usage continues to explode, Kubernetes-native backup is one of the most critical, yet overlooked, challenges faced by Kubernetes operators today. Kubernetes is a fundamentally different compute platform. Apart from the traditional reasons for data loss in a cloud environment, Kubernetes increases the risk of accidental data loss due to higher complexity, relative unfamiliarity, and dispersed administrative responsibility.
Our customer research has identified seven critical reasons why a Kubernetes-native backup solution will be the best fit for your expanding Kubernetes environment:
To accelerate your Kubernetes journey, this report explores these key considerations when evaluating a strategy to protect your business-critical data in a developer-focused platform. It covers the pitfalls of trying to retrofit legacy backup architectures into a cloud-native ecosystem and, more importantly, focuses on the benefits of deploying a truly cloud-native backup solution.


Diabetes Metabolism Research and Reviews. "As lifestyle programs like the Diabetes Prevention Program are promoted in primary care settings, we hope physicians will integrate and insurers support healthy lifestyle strategies as part of the optimal management of individuals at risk for both new-onset diabetes and cardiovascular disease," the authors write.


By
Chukwuma Umeorah
Union Bank in partnership with WACOT Rice Limited, a rice processing company through the Kebbi Financial Inclusion Drive (KFID) is ready to engage 6,00 local farmers including youths and women in Kebbi State.
The KFID project is part of efforts of Union Bank to be come a foremost driver of financial inclusion in Nigeria. The project will cover four Local Government Areas – Argungu, Augie, Suru, and Dandi and serve a critical part of WACOT’s Argungu Outgrower Expansion Project funded by United States Agency for International Development (USAID) West Africa Trade Hub. It aims to provide a panacea to the overwhelming financial inclusion deficit within rural communities in Kebbi state.
In carrying out this project, Union Bank will facilitate account opening while expanding its agency-banking network to cover the areas that have been mapped out. It will also support agents on ground with digital banking solutions to ensure seamless transacting and account management. With technical support from National Identity Management Commission (NIMC), the farmers will be able to acquire the relevant documentation and identification required to open bank accounts. Chairman WACOT and Board Chair of Union Bank, Farouk Gumel, kicked off the project during a visit to the Kebbi State Governor, Abubakar Atiku Bagudu, as discussions progressed on how to explore ways to expand the project to cover the entire state.
Speaking at a recently concluded conference of Chartered Institute of Bankers of Nigeria (CIBN), Gumel said, “As we work towards achieving financial inclusion to reach the unbanked, we must commit the same resources and investments to rural-local customers as we have done to urban-global clients to help create the growth that will lift us all to collective prosperity.”
WACOT Rice is a subsidiary of TGI Group. TGI Group, through another subsidiary Titan Trust Bank, which recently acquired Union Bank in a landmark transaction which was announced in 2021.


SHEIN, an online retailer of fashion, beauty and lifestyle products, has announced a renewed commitment to its Supplier Community Empowerment Program, an initiative that aims to advance supplier partners and their communities at different stages of their development. Through the program, SHEIN has been implementing long-term initiatives to empower supplier partners across four key pillars: factory enhancement, technology innovation, training support, and community engagement.
Factory Enhancement
As a new effort in advancing progress, SHEIN has allocated RMB 100 million (US$14.9 million) in additional funds to make physical enhancements to its supplier’s factories. The first group of 20 suppliers has received approximately RMB6 million in capital support from SHEIN. The project is anticipated to be completed by the end of September 2022. Together, these recipients’ improvements and expansions will cover about 60,000 square meters (approximately 645,000 square feet) at their facilities, impacting 3,900 employees. The total RMB100 million investment will allow SHEIN to significantly expand the range of recipients to about 300 suppliers.
Technology Innovation
The Supplier Community Empowerment Program was launched to support suppliers’ technical innovation, decrease waste, and significantly improve their production operation efficiency and business performance. Through R&D and technology to re-engineer production processes, the program enabled many of these businesses to meet market demand more efficiently, while reducing waste and conserving resources. For example, factories can use these updated tools to update and synchronize the on-demand production process. With real-time trend analysis, all SKUs start with small production quantities (between 100-200 pieces). Then, depending on sales performance, orders can be reproduced or production can be suspended. This unique process supports the supplier ecosystem in reducing overproduction While the average inventory level in the industry is 30%, these tools can reduce it to a single digit while continuing to meet consumers’ diverse needs.
Training Support
As part of its Supplier Community Empowerment Program, SHEIN also provides training on operation management, organizational structure, and production systems. Since the program’s inception, suppliers have participated in over 300 training sessions, including certification trainings with third parties (Intertek/SGS).
Community Engagement
In 2021, the SHEIN Spotlight Program was established to empower families within the communities of supplier partners. Since its inception, SHEIN Spotlight has awarded grants to over 14,000 participants in 178 communities, particularly those facing financial hardship caused by childcare, education costs and major illnesses. Over 148 families have benefitted, reaching 329 young people, including 268 school-aged children. In 2022, the program is projected to reach an additional 26,000 participants. SHEIN also developed some new programs like the Summer Camp initiative, providing interactive parent-child activities and training courses for families in the suppliers’ communities to support families who are separated throughout the year when parents seek job opportunities far from home.
Adam Whinston, Global Head of Environmental, Social and Governance (ESG) at SHEIN, stated that
“Our Supplier Community Empowerment Program aligns with our core ESG values of empowering entrepreneurs, supporting communities, and reducing our environmental impact. Brands play an important role in promoting sustainable practices within their supply chains. At SHEIN, we are committed to building a healthy environment for the long-term development of our supplier communities.” About SHEIN
SHEIN is a global fashion and lifestyle e-retailer committed to making the beauty of fashion accessible to all. We use on-demand manufacturing technology to connect suppliers to our agile supply chain, reducing inventory waste and enabling us to deliver a variety of affordable products to customers around the world. From our global offices, we reach customers in more than 150 countries. To learn more about SHEIN, visit www.SHEIN.com.
Press contact:
media@sheingroup.com


The Executive Secretary of the National Labour Commission (NLC), Mr. Ofosu Asamoah has indicated that the Commission is currently unable to deliver on its mandate due to a lack of logistics.
Speaking at an Organised Labour Forum, dubbed ‘Industrial Dispute Resolution: The Law and Practice,’ Asamoah stated that the Commission has only two motorbikes, and two pickups of which only one is running.
He noted that the equipment’s have been in operation for about 15 years now.
“That is why the Commission is unable to deliver service within the three days, as required by the law, upon the receipt of any complaint.”
In addition to the lack of logistics, the Commission doesn’t have regional and district presence, unlike other commissions such the Forestry Commission and the Commission for Human Rights and Administrative Justice (CHRAJ), among others.
“Yet there is labour in every corner of this country but the NLC is restricted in its operations in Accra,” he said.
Asamoah said, this has led to loss of confidence in the Commission to deliver on its mandate, due to regular delays in cases brought before it.
From May, 2018 to July 2018, the Commission is reported to have received over 200 cases from all parts of the country.
From 2006 to 2016, the Commission had 8,100 cases of which 4,417, representing 54 percent, remains at various stages of settlement.
The delay has also been attributed to a lack of human resources, where currently, the Commission has a single lawyer for all its legal issues.
This, Asamoah noted, as a huge impediment to the work of the Commission.
The NLC, established by Act 651(2003) is expected to facilitate the settlement of industrial disputes, as well as investigate labour-related complaints, in particular unfair labour practices and take such steps as it considers necessary to prevent labour disputes.
The Commission is to maintain a database of qualified persons to serve as mediators and arbitrators, and promote effective cooperation between labour and management.
By Joshua W. Amlanu


Do You Know That Pineapple May Have Anti-breast-cancer Effects In Women
Because pineapple is packed with essential vitamins, minerals, antioxidants, and other helpful compounds that can protect against inflammation and disease.
While pineapple and its compounds have been linked to several health benefits, you may wonder whether this sweet fruit offers any advantages for women.
Breast cancer is one of the most common types of cancer in women, accounting for approximately 25% of all cancer diagnoses in women.
Pineapple contains small amounts of bromelain, an enzyme that’s been suggested to have anticancer effects, particularly in regards to breast cancer.
While test-tube and animal studies show promising effects of bromelain in treating breast cancer, research in humans is needed to confirm these properties.
Furthermore, as these studies use concentrated amounts of bromelain, the amount found in pineapple is likely too small to have a significant benefit.
Early research has also suggested a link between breast cancer progression and pineapple vinegar, which is high in antioxidants and made by fermenting pineapple juice.
One 28-day study in mice found that daily treatment with pineapple vinegar significantly reduced the progression of breast cancer tumors. However, this effect has not yet been confirmed in humans.
Bromelain, an enzyme in pineapple, and pineapple vinegar have been linked to the slowed progression of breast cancer in animal and test-tube studies. However, research in humans is needed to confirm these effects.


CNR-ITAE has been working on enhanced electrochemical and mechanical stability for the anionic exchange membrane.
In spray coating applications, a fine powder is drawn from a storage device before being fluidised and ejected through a charged nozzle onto a substrate. It is essential that the powder can be effectively and consistently fluidised without the formation of agglomerates that may block the nozzle and affect the charging of the individual particles, leading to poor adhesion or the appearance of agglomerates on the substrate. Establishing a smooth flow from the storage device is essential, as variable flow into the fluidisation chamber will lead to a poorly fluidised bulk. Identifying and quantifying which powder properties correlate with the most efficient performance in a process allows new formulations to be optimised without the high cost of running samples through the process to assess suitability, making considerable savings in terms of time and raw materials, and minimising wastage due to rejected products.
In the video below you can see more on this subject.


Ethereum (ETH), the second-largest cryptocurrency, has seen its prices shooting up lately. The sudden ‘green’ movement has amazed its investors and supporters. However, the question of “
is Ethereum a buy” has been worrisome for them. The bullish rally of about 40% between July 13 and July 16 surely caught the crypto enthusiasts’ eyeballs. But the mixed opinions of different participants in the domain might make investment decision-making difficult. Therefore, here is an overview of what the technical indicator metrics suggest. Ethereum Price Today
ETH has broken the recent ‘red’ trends and been in the ‘green’ for quite a significant period of time now. This phase has been a breather for its worried investors and stakeholders.
The ETH price had gained by 5.61% and traded at $1430.29 at the time of writing on Monday, July 18, 2022. The market capitalization of the crypto behemoth stood at $174.03 billion, up by 5.67%. However, the only downside was the 24-hour trade volume of the crypto which slid by 7.59% to $18.2 billion.
Earlier when the news of declining
ETH 2.0 weekly deposits came in, Ethereum had been lowering to the spot it was at approximately 2 years ago, that is, lower than $1,000. The ETH token price had slumped over 77% since the all-time high record of $4891.70. On July 12, 2022, the crypto was valued at $1.085.17, losing 5.03%. The coin’s market capitalization was at $131.85 billion, dipping by 4.98%. However, the 24-hour trading volume, unlike today, had gained slightly by 6.23% and was at $11.75 billion.
Briefly, after this drop, the ETH token rallied about 40% in the next three days, covering a significant amount of loss incurred in the past week. According to
CoinMarketCap’s 7-day data, Ethereum has gained by a huge 24.63%, overtaking Bitcoin (BTC), the largest cryptocurrency, which managed to increase by 5.78%. Moreover, it is estimated that the Ethereum price prediction rating that was earlier pegged at $1,500 by the end of 2022 would be revised after the recent price gain. Technical Metrics: Is Ethereum A Buy, Sell Or Hold Today?
The Summary provided by TradingView indicates that the
Ethereum crypto is a ‘buy’ currently with 12 indicators suggesting a buy, 8 indicating that it’s a ‘hold’ (neutral), and 6 pointing toward a ‘sell’ action. The Moving Averages data also suggests that Ethereum is a buy today with 10 metrics supporting that. The 50-day Exponential Moving Average (EMA) stood at 1400.25, indicating an action of buy. In addition, the 50-day Simple Moving Average also gained and was at $1333.08. The current ETH price is fairly above these moving average metrics, therefore, the price trend is upwards and can be considered a buy.
However, due to the frequent price fluctuations and recent crash sessions, the oscillator metrics provided by the site indicate that Ethereum is a ‘hold’ (neutral) currently. According to the statistics, 7 out of 10 indicators count for neutral investment action. The Relative Strength Index was at 61.93, suggesting that no trading actions should be undertaken. Moreover, the Commodity Channel Index was at 184.44, pointing to a ‘sell’.
To answer the question of
is Ethereum a buy or not, it would be right to conduct a careful study of both indicator metrics and the market trends. Both these strong meters suggest that Ethereum definitely is a buy or hold. Therefore, selling is definitely not an option. However, it is advised to do detailed research before making any trading action.